Ally Bank

FDIC-insured · certificate 57803

Savings, money market, checking and CDs, with every rate from Ally Bank’s own pages and every rank against the accounts we track.

Checked Nov 8, 2026Updated Nov 8, 2026

Best savings rate: 3.20%APY · Ally Savings account
Best CD rate: 4.50%APY for 1 year
Bonus: $300Ally Spending Account

Every account we track

Accounts and rates

Savings and money market

A year on $10,000, after fees

Ally Savings accountSavings account · no minimum to open3.20%$320None

Ally Money market accountMoney market account3.20%$310None

Ally IRA savings accountSavings accountNot stated—None

Checking

Against 1043 checking accounts

Ally Spending AccountChecking account · no minimum to open0.25%#29None

Ally Checking accountChecking accountNot stated—None

High Yield CD, by term

No minimum to open

3 months2.90%—

6 months4.00%#27 of 143

9 months4.15%—

1 year · Ally Bank’s best4.50%#17 of 176

18 months4.50%#11 of 107

3 years4.25%#21 of 98

5 years4.50%#19 of 98

Cashing out early: up to 3 months, 30 days of interest; up to 2 years, 60 days of interest; up to 3 years, 90 days of interest; up to 4 years, 120 days of interest; over 4 years, 150 days of interest. A dash: a term we don’t rank. Also at Ally Bank: CD, up to 4.50%; No-Penalty Certificate of Deposit (CD), up to 2.90%; Raise Your Rate CD, up to 3.00%. All Ally Bank CDs

Offer

Bonus

$300

$1,000 in direct deposits within 60 days. About $500 a month for 2 months.

Ally Spending Account

Ends Dec 31, 2026Meet it within 60 days

“Open your first Ally Bank Spending Account, use code allyauto300 by Dec. 31, 2026, be an Ally Auto customer selected to participate and notified via email directly from Ally Bank, put any amount of money in the account within 30 days, and set up qualifying direct deposits totaling at least $1,000 a…”The bank’s page, checked Nov 8, 2026

Can you meet it? The bank bonus finder All bank bonuses

Against the market

How Ally Bank ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

Ally Spending AccountChecking account#29 of 1043
High Yield CD · 1 yearCD#17 of 176
High Yield CD · 18 monthsCD#11 of 107
High Yield CD · 6 monthsCD#27 of 143
High Yield CD · 5 yearsCD#19 of 98
High Yield CD · 3 yearsCD#21 of 98
Raise Your Rate CD · 2 yearsCD#70 of 134

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.